Gilda holds the Chartered Financial Analyst^® (CFA^®) designation and is a CERTIFIED FINANCIAL PLANNER^™ (CFP^®) certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. She is a First Vice President with Merrill Lynch Wealth Management and a Wealth Management Advisor since 1990.

Gilda and her team of firm specialists focus on providing individualized advice and strategies to high net worth individuals and families with complex financial problems. She carefully listens to client concerns and goals and then develops balanced portfolios specifically tailored to include:

- A focus on Retirement and Estate Planning services
- Education Planning
- Lending, including home financing and lines of credit through Bank of America, N.A
- Asset allocation guidelines
- Security or manager selection
- Monthly calls to review performance and changes in market or personal situations

She also focuses on non-profit organizations and small businesses, offering a holistic approach that covers all aspects of the creation of financial strategies that include credit and lending, pension and succession plans and appropriate investments.

Gilda's financial career spans more than three decades. Her tenure at Merrill, which began in 1979, includes time as a futures analyst, serving on the team that created Merrill International Bank, and, in the 1980's, as an interbank currency broker.

Gilda also served as a charter member and floor broker of the New York Futures Exchange, and as a bankruptcy analyst for a major hedge fund. During that time she sat on bondholders' workout committees.|Active in the community, Gilda was a Founder and First Chair of New York Youth at Risk, Inc. She is married to Dr. Marc Borenstein. They have two sons, Daniel, 27 and Michael, 25. She has three step children, Sarah, Jason and Josh, ages 35-48 and two grandaughters.

*CFA^® is a registered trademark of the CFA^® Institute.

*CFP^® is a certification mark owned by the Certified Financial Planner Board of Standards, Inc., and is awarded to individuals
who successfully complete CFP^® Board’s initial and ongoing certification requirements.

*NMLS ID 578342

*Asset allocation does not ensure profit or protect against loss in declining markets.
I follow the deep-seated Merrill tradition of participating in the communities we serve. This drives my interest in spending time volunteering with organizations in our community.